In order to operate a vehicle in the state of Texas, drivers are required to have a minimum amount of automobile insurance coverage in the event of an accident. As discussed in our previous blog posts, these basic insurance requirements offer a minimum amount of protection, but the reality is that many car accidents cause thousands of dollars in medical costs, lost wages and other damages, all which are usually well above the minimum liability amount and often not covered by basic auto liability coverage. This means that in the event of a severe car accident that results in injury to the driver, passengers or people in the other vehicle, it is important to have auto insurance coverage that can specifically help decrease some of the out of pocket personal injury costs.

Thankfully, Texas drivers have a quick, reliable and affordable option to get help with additional personal injury expenses in the event of a major auto accident. Personal Injury Protection Insurance (PIP) is a limited supplemental auto insurance policy that can help offset some of the medical expenses that can accumulate after a major accident, regardless of which driver is at fault. In addition to helping defray medical costs, PIP Insurance can also provide help with recovering lost wages during recovery, rehabilitation costs, funeral expenses, and other unexpected costs, depending on policy limits. Many drivers in Houston only focus on financial protection for repairing a damaged vehicle, and completely overlook the fact that a major car accident can result time away from work, large hospital bills, possible rehabilitation expenses and even funeral costs. While there are limits to PIP insurance coverage, the financial help and peace of mind it provides is extremely critical after a traumatic event like a car accident.

Adding PIP Insurance to your insurance portfolio is a smart decision because of the added protection it offers to you and your passengers in the event of an accident. In addition to providing financial help with medical costs for you and your passengers, PIP can also help offset some medical expenses if you are an injured passenger in someone else's vehicle, or are injured by a vehicle as a pedestrian. This kind of supplemental insurance protection is also helpful since it helps injured parties get the financial help they need much faster. Since PIP is a limited no-fault insurance coverage, the benefit payment is expedited since the injured do not have to wait for the insurance companies to determine blame or complete legal proceedings.

Drivers in Houston have the ability to ensure added financial protection while on the road by contacting Aegis to secure PIP Auto Insurance coverage. As a Houston-based insurance agency, Aegis offers quality, reliable and affordable auto insurance solutions for your needs. In addition, the friendly and knowledgeable agents of Aegis can assist with other insurance needs such as Homeowners Insurance, Renters Insurance, Life Insurance and various Business Insurance options. Policyholders can save even more by bundling policies together to decrease annual premiums. For more information, contact the agents of Aegis today at 713-850-7622 or by email at info@insurtexas.com.